Health Insurance
Note: If you have signed up for your program with the help of International Exchange Center (IEC), CKM 2000 Travel, or SAYIT in your home country, please click below to to get more information about your insurance.
Important points to remember
- This insurance coverage is for accidents and sickness. It is not general health insurance. Not all illnesses are covered by the InterExchange insurance plan.
- Injuries resulting from high-risk activities, such as motorcycle riding or hang-gliding, are NOT covered.
- Illnesses that already existed prior to participation in the program (for example: diabetes, depression) are not covered by this policy.
- Eye exams and dental exams are not covered by this policy, unless the problem is a result of an accident.
- The name of your insurance company is International Medical Group (IMG).
- You are insured during your program dates (your DS-2019 dates). InterExchange highly recommends purchasing coverage for your travel period.
- Need to extend your coverage period? Contact the InterExchange representative in your home country or InterExchange while in the U.S.
Before you leave for the U.S.
- Read your insurance brochure
- Print your insurance ID card
Using your insurance while in the U.S.
1. 24/7 Call-A-Doc
Your plan includes access to a virtual telemedicine service. If you have a minor or non-urgent medical need, you can use 24/7 Call-A-Doc to see a doctor or get a prescription from anywhere, at any time using your phone or computer. Get more details.
2. Non-Emergency Care
For immediate care in non-emergency situations, you SHOULD go to a Walk-in Clinic, Urgent Care center or local doctor. Urgent Care and Walk-in Clinics are often the best places to seek medical care as you can walk right in and they require no appointment.
3. Find a medical provider in the UnitedHealthcare (UHC) network:
Online; OR Call the insurance company or InterExchange
Tip: You can also visit a local walk-in clinic or an urgent care center
4. Make an appointment
5. Show your ID card at the doctor’s office
6. Pay your deductible ($150)
7. Ask the doctor’s office to send your medical bills to the insurance company
8. Fill out a Proof of Loss Form and send it to [email protected]
IMPORTANT! You have 90 days from the date of service to submit the Proof of Loss Form to the insurance company. If you submit it late, your claims will be denied and you will be responsible for paying your medical bills.
Watch this video and learn how Exchange Visitors prepare for their arrival in the U.S., how the U.S. healthcare system works, and how students should seek medical care if they become sick or injured. You can also visit the Envisage Global Insurance Student Zone page for more information.
In an Emergency
Call 911 or visit an Emergency Room (ER) at your local hospital. Your deductible for visiting the ER when you are not admitted to the hospital is $350. Use of the ER in case of an injury will not be subject to the deductible.
Workers’ Compensation
If you are injured at work, all claims should be referred to your employer’s Workers’ Compensation policy. Please see our overview of Workers’ Compensation insurance policies.
Prescription Medication
Pay for your prescription medication and submit a copy of your payment receipt with a completed Proof of Loss Form to [email protected] to get reimbursed. Use your Discount Drug Card to save money!
Making an Appointment With the Doctor Over the Phone
Here’s an example of how you might request a doctor’s appointment:
Hello, my name is <Your Name>. I am calling to make an appointment with Doctor <Name of the Doctor>. I have an American insurance plan provided by IMG. My insurance uses the UnitedHealthcare (UHC) provider network and this doctor is listed as in-network. When is the next available appointment for new patients?
Note that some doctors might not have availability to accept new patients. Don’t get discouraged. There are many providers in the network.
Insurance and International Travel
Am I covered under the insurance plan when I travel outside the country?
Your health insurance plan does not cover you if you go on vacation back in your home country and suffer from an accident or sickness. The insurance plan does cover you if you suffer an accident or sickness while on vacation in all other countries.
Important Contacts
USA Toll Free (855) 731-9445
USA Direct +1 (317) 927-6806
[email protected]
Mailing Address:
Attn. Claims
303 Congressional Boulevard
Carmel, IN 46032
InterExchange
1.800.621.1202 (toll-free) or 917.873.5877 (emergency after business hours)
